those, they had a nice spot. nicole: that is one that is on the move. watching gold today as well. these are wines we continue to watch, but it moved higher. investors were not too excited to hear the biopharmaceutical company raised $100 billion in financing. >> they're talking about cholesterol drug. that is something that made that stock pick. cheryl: the bells are ringing on wall street. let's look at all stocks are finishing up. dow jones industrial average up today after thhee weeks in a row, 82 points. the nasdaq down 11 and 3-quarters, certainly higher on the day. the russell 2,000 in the green as well. dave: the nasdaq will be up but not for apple, getting beaten down another $15 off of a price and it continues to go down. let's look at gold, something that glitters as opposed to apple.

the precious metal bouncing back into the green. it does touch one month lows in trading but today's game was not enough to make of earlier losses gold finishing the week 1% lower. it is still just above 1700, $1,705.70 for one ounce. >> technology worst performing sector. many social media stocks of bucking that trend. yelp, facebook, zynga and groupon up 23%. dave: facebook pushing close to 30. a lot of people happy about that. michigan lawmakers passing right to work bills despite protests. a longtime supporter of right to work was, michigan state senator is here with the inside story behind the move that took a lot of folks by surprise. right to work in michigan, the home of the united autoworkers. the stakes are changing. we will talk to him coming the.

>> oppenheimer fund economist brian leverett on the 60-40 portfolio. he says it will bring you profits beyond the fiscal cliff. dave: an exciting our coming up. we will tell you what drove the markets today with today's data download. of next week on wall street following better than expected november jobs report. the dow and s&p ending prior to eke out weekly gains, the nasdaq closed in the red ending down 1% a lot of that because of what happened to apple. financial and industrial for this week's top performing sectors while materials and technology lad a bit. the u.s. economy added 146,000 jobs in november as the unemployment rate dropped to four year low of 7.7%. today's report may not be as strong as it seemed, reporting employers added 49,000 fewer jobs in september and october than initially estimated. a preliminary reading showing consumer confidence plunging to its lowest level in four months.

early december americans prepare for a potentially higher taxes at the beginning of next year. the index dropping 74.5 this month, far below november's reading of 82.7 and economists forecasts of 82.4. >> in the pits of the cme, michael tells us why dividend paying stocks are taught play regardless of next year's tax rate and charlie will share why he is bullish despite short-term volatility but let's start with phil at the cme. the dow did well today. better than expected, arguably better than expected, jobs report boosting the markets but we got consumer confidence and the fiscal cliffhanging over everything. what did you make of the markets today? >> i was disappointed we failed on that rally and shot up 1421 and sttrted to back off. the fiscal cliff is hanging on the market. as soon as you see john boehner talk for obama it doesn't

matter. the market seems to come off of that news. traders have got to look out if there's a joint announcement, chances are they're close to a deal, we will see the market higher. look out for that. dave: let's get off of stocks and deal with oil. we see oil slipping a bit and you see a point at which you might stop and that is $84.50. that is the point we have got to look at coming in next week as the starting point for this drop. phil: we have come down to that range several times over the last few weeks and that is when you had highest level supply out there and you didn't really have much geopolitical risk. we start to come back to that mode so we will scale back to that level before things heat up in the middle east and we have supply crunches due to the cold weather ahead of us. >> next week we have the final fit meeting of the year.

the jobs report and everything we have been seeing. phil: we will see the fed continue on the same path of that they may just maturities they are going to look at purchasing. that is why lot of traders were looking at gold today. it pulled back to 1686 and -- i would start looking at gold back to the upside and may be positioning little ahead of the fed meeting. dave: we want to keep u.s. part of the panel. jobs report higher than expected today, moving markets. is this all a sign of strength ahead? >> let's turn to michael, portfolio manager at fdp capital managers. i will try this, and charles with aerial investment. hi, guys. charlie, you are the bull eyes of those in the group, would you call yourself. and if so where are you putting your money? >> we are long-term bullish

because people are so short term nervous. so many negative headlines, people scared about the fiscal cliff and all the problems and that tends to be a good time to buy stocks that particular the when they are cheap and stocks are chief particularly relative to bond. >> give us the stocks you like. >> people are nervous about financials. a lot of financials even though they have done well, that we like. we like blackstone and northern stanley and northern ttust. number of financials people are worried about whose stocks are cheap relative to book value because of the fear in the market. dave: let's talk about dividend stocks, dividend companies because there is a lot of interest. people are moving the dividend payments before the taxes go up. you say and people say even after 2012 there may be a retrenchment of dividend stocks but you say not so. even with the rising taxes there's still an advantage to companies that give out

dividends. explain. >> quite simply we think if you look at the alternative space right now between fixed-income or bonds and stocks and you look at blue-chip companies that are saying 2.5% or 4% in terms of dividend yield and the same corporations are able to lever up in the bond market and issue debt at 3%, even if rates on dividends ere to go back to where they were prior to the george bush tax cuts being enacted you are after-tax next return still better off in terms of the dividend that starts out higher pace than a bond. dave: let me break in for a second. we are getting breaking news. expedia is the most recent company to advance their dividend payments but go ahead quickly. >> i would just say some of this acceleration toward the end of the year certainly may be pulling away from dividend growth in 2013 and beyond. companies look at their balance sheet and determining what to do

with cash flow. they may not grow dividends the rate they have the last three to five years but we don't think they will cut dividends either. >> the word tax has the, buzz word on wall street and main street and washington. do you see companies perhaps getting a special tax holiday and bringing back those billions and billions of dollars parked overseas back to the u.s.? >> yes. i hope we have. we think there are people advising this administration and the way to get the economy is the way to repatriate that cash that is trapped overseas. you could reduce tax rates for a1 times special holiday. instead of the marginal tax numbering your money back from europe being 30% you might make it 10%. a lot of money would come back to the u.s. and it would be good for the economy. dave: don't mean to pouu water and your idea because i agree with you it would be a great idea to have a tax holiday we have it ministrations people want from the chief economic adviser of the president on down with the administration and they say no way they are going to do

this. would give the any optimism it might be done? >> people need revenue. this is positive for revenue. the money sits over cease and the u.s. treasury gets none of it. if you declare this tax holiday the money produces revenue in nd the u.s.. the change of administration at some point. dave: are you hearing anything about this? we ask the administration specifically about this, they say we won't let it happen. >> that is what we heard. they are not going to let it happen but it would be great if they did because of what has already been pointed out. we need to spur this economy and of the fiscal cliff developed and small-businesses our hits we have to have growth somewhere and that could be a way of doing it. >> who of wants to pick this up do we go over the fiscal cliff? >> yes. probably. 55% to 60% and early january they strike some kind of deal that allows the administration

to say there decreasing taxes from what they went to in january 1st. i say 60% we are going over the cliff. dave: we are playing with fire if that happens. a lot of people say even if it is temporary it might push us into recession. quickly, you think that is possible that we will? >> certainly possible. interesting the consensus have gone from 50% to 60%. a month or two ago we were not going to go over the cliff. i agree that is completely flipped on its head and the only president in recent memory who headed debt ceiling in summer of 2011, all through july everyone was confident we were going to get a deal and we saw what happened. a little bit of cash on the sidelines to reload the. of the goal of the cliff, is not a bad thing for investors. dave: still a scary time. the possibility that we could go into recession as a result of that. thank you very much. michael, phil, we will check in with you in a couple minutes

when the s&p futures closed. thanks very much. >> 146,000 jobs were added last month first trusted by chief economist brian westbrook, we are stuck in of horse economy but could be more like a race horse if the government gets out of the way. find out how much stronger we could be. >> floodwaters rise. business and the stock have taken advantage of these floods we are seeing. so many people suffered but there are businesses that will take advantage of this. jeff flock taking us inside this facility's manufacturing warehouse coming up next. >> it is hard to get in there. [ male announcer ] ths is steve.

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>> western as a big winner. nicole petallides on the floor of the stock exchange.

tell us y. nicole: always been to give out winners when people are invested in initial public offerings and take a look at western gas. jumped nearly 30%, the pipeline operator and they have their ipo and certainly a lot of strong demand for this particular stock. master limited partnership and this is an example of that and operates in energy infrastructure rent paid their earnings. it certainly was one with high demand and moved up 28% back to you. >> you get the next two days of. dave: we all do saying good this. is in the futures closing. the look is at the cme looking at all futures -- we did have this nice little rise at the end of the trading day. did it continue after hours? >> a little bit. not too much. looking at next week you wanted a attention to the fed analysis and watch any fiscal cliff tops.

the key level support in the s&p, really what chapel which was beat up quite a lot here recently. you see a turnaround in the stock market and the nasdaq might turn to the upside as well. >> after causing billions of dollars of damage, eric king -- >> shares of generator maker holdings up double digits since the storm hit and the company on a hiring spree. jeff flock live in wisconsin with an exclusive look at the manufacturing facility. i know a lot of neighbors up there in the northeast buying generators. jeff: you can't make them fast enough. this is the generator capital of the world's. they're the top manufacturers of what you are looking at right there. that is a home backup power system. after this storm everybody wants one. >> people are really tired of

power quality issues in the u.s. exclusive for today. >> the ceo, we were talking before we went on. your business is booming. everything is great but you are approaching the fiscal cliff. when you heard tim geithner say we are ready to go over it if we don't get a deal, what does that do to a man expanding? >> it is disappointing but frightening because the federal government prepared to go over that cliff, i can tell you not a lot of good things will come from that. >> this market is booming because of what happened with said any. people say i don't want to be left without power again and again and again. this is your top model, the backup system, as soon as your power goes out this goes on, they hired 200 people to build these and affordable generated in the past couple months. >> the demand is sky high. we can't hire enough people for the factories. >> if we do go off of the cliff what happens to all that?

>> we have to slow things down. it is something people will be concerned about whether they put money into a product like this, if we slow down demand will slow down our factories. >> to some degree this is a discretionary purchase. they don't have to buy one of these. how much is this? >> this system you could get under $2,000 as a starting point. >> if you wire that to natural-gas as soon as your power goes out that comes on and using natural gas remains when the electric goes out. >> it is a no-brainer. the fact this company is doing so well, but even a company that is taking advantage of all this is worried about the fiscal cliff. this is not something just for nerds in the beltway. >> big time. we ridge just saying that very thing. >> people don't understand how important this is. >> nerds because of the glasses?

dave: people inside the beltway are the nerds. they are the ones doing business making things. they are the heart blood of the economy. thank you very much. >> there's no-deal in sight. what about the talking? we head to dec for the latest. dave: first trust adviser chief economist brian westberry has been bullish on this economy for a long time even though we are growing at a slower rate. why is he continuing to be bullish. what is it about the economy he thinks is doing so well? we will last coming right up. [ male announcer this is the a of knowing what you're made of.

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>> the jobs report beating estimates with the unemployment rate sliding to 7.7%, the lowest level in four years. >> a report showing signs of progress but what do the numbers really say about the state of the economy when 350,000 people have stopped looking for work? our next guest says the bottom line is the economy is growing but it is growing slowly and referring to economic growth, moving like a plow horse is power he refers to it, first trust advisor economist brian westberry joining us now. good to see you. with the economy is growing fast it is not growing fast enough for you or anybody else, but the jobs number, when you see a jobs number like this does it give you any hope? i see it as more of the same.

>> it is more of the same but that more of the same has been going on for 3 years now. it is a plow horse economy. just because it is growing slow doesn't mean it is about to fall over. if you want to get into that analogy or metaphor, plow horses have thick legs. it is not going to fall over. it cools through class a and stomps and rocks. dave: what if it goes over the fiscal cliff? >> i call it a fiscal curb. think back, literally, we had to baja, the bp oil spill, nuclear meltdown, debt downgrades, greece, italy, spain, foreclosures, student loans, how many things do we have to get fearful about before we start to

believe in this economy? it is not booming. i am not saying it is perfect, not saying it is 1980s again, is not but is growing 2% per year, maybe 2.2, two.three, and it keeps growing. we have not had a recession since march of 2009. >> it is media granddad as almost people feel. if we take the consumer back and put them in the jobs report we did see the number of hours increase as did wages. what do you make of that? does that give you hope? >> it does. if you look at car sales in november, automobile sales, fifteen million vehicles were sold in november. highest since december of 2007. that weakness we saw in cars and auto sales in october and retail

sales, i think because of sandy it is going to be over. november and december will be great month for the consumer. i do have hope. i don't think we're going to boom. we won't grow 4% we will grow between 2% and 3% real growth next year in 2013. fiscal cliff even with the fiscal cliff. dave: you and i agree with it will take to get the economy growing stronger because we are like-minded with that. you don't like the economic policies the president is proposing. dozen there come a time when those economic policies to stifle the economy and strip it up? >> absolutely. when we look back in history 1970s had big growth in government and when you have big spending like we do today you get weaker growth. france for 40 years has grown numb to% real gdp and 8% unemployment. they think it is normal. the good news is america doesn't

think it is normal and you have to keep pounding the table that this isn't normal. it is not good. so do i. the only way to get back up to good growth is to cut the size of the government. i still believe we have eight to ten years even on the crazy course we are on right now before we are anything like one of these european countries. this is still an amazingly powerful entrepreneurial place. i am betting on the entrepreneur and even though the government keeps making a mistake after mistake after mistake. >> i like the optimism but i have to disagree with you in terms of fourth quarter growwh. most economists say it we are doing ok now in the third quarter we did at least but the holiday quarter, the santa claus rally everybody spending money for the holidays but most economists save gdp will come down in the current quarter but you say it will go up. i don't know if i believe you. >> i think gdp will be weak in

queue 4 probably under 1/2%. it could even be zero. that is mostly there are two factors going on. one is sandy. at one quarter of america's population didn't do anything for three four days. the second thing is the uncertainty of the election which held back business investment. for quarter definitely will be weak but the next year i think 2.5 to 3% growth. >> thank you. dave: one of the smartest people in america, no doubt. thank you, good to see you. the clock is ticking away to major tax hikes for everybody. john boehner saying there is no progress to report. so what is going on inside the beltway? we will head there to try to find out. brian led that tells us how the new 60-40 portfolio should look. [ woman ] ring. ring. progresso.

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david: come january 1st, no matter which tax plan is put in place the federal government will still spend

trillions of dollars each year. lauren: we talked taxes. now let's former cbo director says these cuts fail to control the greatest deficit challenge, federal health care spending. >> the future path of mandatory has been clear for a decade now. it is largely driven by health care costs and baby boom and every cbo director

come to the same conclusion. you can't grow your way out of it. you can not tax your way out of it. you must change these programs. >> democrats argue if the government cuts too much spending the economy will slow further. back to you. david: rich edson, thank you very much, rich. lauren: with all the uncertainty surrounding fiscal cliff should you invest differently right now? david: one economist says investors have to look beyond the fiscal crisis. we have senior economist at oppenheimer fund joins us now. more than that, what you say you've got the perfect split. -p60/40, 60 being equities and 40 being dot, dot, dot, something else. how do you devise, some people are gold bugs say it is all gold. cash bugs, say you have to be flexible, keep it in cash. how do you divide the 40% not in equities? >> first of all we took a step back and looked how investors allocated portfolio. there is generally 60/40 split between stocks and bonds but 60% predominantly

in domestic ex-quits and 40% in high grade economic instruments. david: none is in the cash. >> cash, government relate the ed securities. if you look at 40%, that might have made sense 30 years ago when yields on treasurys were siinificantly higher and inflation was falling for a 30-year time period. if you look at it yields are paltry. what do you need to do? we talk about allocating exposure to higher yielding bonds. think about cash high yield or government related high yield barbell. that is step one. 50% government related securities, 50% high yield bonds. you can increase your real yield aad you're trading some interest rrte risk for some credit risk. now investors usually say to me you generated income for me but it is all dollars, right? how do i diversify the dollar exposure? we talk about international bonds. higher yields the united states. foreign currency exposure. the next question is i don't want any currency exposure. that's when you start to

think about adding gold, real estate, master limited partnerships and physical commodities. lauren: you're saying go global with at least some of your investments, at least equity invests. where globally? what countries? >> i don't think it is about countries but i think it is more wheres generate revenue. a lot of great companies around the united states will generate revenue around the world. look at companies domiciled in 50 states where the opportunities doesn't make a lot of sense. it might have made sense 40 years ago when the u.s. represented 75% of the world's market cap. today we're less than 50. we think if you're starting with a domestic exposure you want to add international to your portfolio. western europe looks about as cheap as it has in decades. we also talk about how you want to look to the emerging markets. there's a lot of great companies in the u.s. tapping that growth. there's a lot of great companies domiciled in the emerging markets tapping that growth. david: what about the dollar risk? obviously because of the re-election of the president bernanke is going to

continue to print money and we may get a whole new extension of the qes does that concern you at all? >> absolutely and this plan by a lot of central banks around the world --. david: not just the dollar. >> not just the dollar. you talk about the currency wars. when you think about it from an international perspective there is lot of attractive real yields you can generate outside the united states. the question becomes which currencies do you want exposure to. david: what would advise? >> look at strong demographics, strong fundamentals. south african rand. look at indonesia. there will be currencies around the world where you generate high yield and policy will be beneficial to the currencies. you have to be selective and it will not always be the same answers over the long term. lauren: we asked our market panel this question so we'll ask you. do you think we'll go over the fiscal cliff? is that priced into the market at all and are we in recession next year if we do? three questions for one.

>> i think you will see some form of a compromise. the way i view it if i'm a tea party member house of representatives. i'm looking major tax increases. major cuts to defense spending, no changes to entitlements. david: if i'm tea party member i've had my legs cut out from john boehner. >> that is absolutely you try. if impresident of the united states and democrats i need a plan that allows us to raise the debt ceiling in 2013. the way i view it you blunt severe components of it but still fiscal drag at beginning of the year. you will still have uncertainty what the size and scope of the federal government will look like 2013 and beyond. is it priced into the market? these markets are trading at generally reasonable valuations. certainly not as cheap as it was last august but stocks are as cheap to bonds as they have been in a very long time. lauren: thank you, brian. i love how we said our portfolios are out of style. david: why he is senior economist for oppenheimer. thanks a lot. a big blow to organized labor in michigan of all

places the home of the uaw. state lawmakers approving right to work legislation there. coming up next a state senator on the fast and controversial move that took a lot of folks by surprise and could change the landscape for labor nationwide. lauren: a mexican drug smuggling tunnel is uncovered. we have details coming up in today's speed read ally bank. raise your rate cd.hey haa tonight our guest, thomas sargent. nobel laureate in enomics, and one of the most cited economists in the world. professor sargent, can you tell me what cd rates ll be in two years? no. that's why ally has ia raise your rate cd.n. ally bank. your money needs an ally.

>> i'm robert gray with your fox business brief. expedia and the "washington post" are latest in a long list of u.s. companies offering special one-time payouts or accelerated dividends before scheduled tax hikes start in the new year. the. ron: line travel site declared a special cash dividend of 52 cents per share. "washington post" will pay $9.80 a share to

stockholders, speeding up all quarterly dividends that would have been paid next year. goodyear is driving its way to a new stock exchange. it will move from the new york stock exchange to nasdaq later this month and trade under the current ticker, gt. >> aig preliminary estimate after tax losses related to superstorm sandy will total roughly $1.3 billion. that's the latest from the fox business network, giving you the power to prosper

lauren: welcome back. time for a quick speed read of some of the day's other headlines, five stories one minute. first up the e.u. strongest member showing weakness. germany's central bank cutting its growth forecast saying german gdp will likely only expand 4% next year down from the previous estimate of 1.6%. california attorney general suing delta air lines distributing

the fly mobile app without a privacy policy. first in the state legal action under the online privacy law. india is hoping to open big box retailers like wal-mart. they say foreign companies can own a 51% stake in retailers for the first time. they uncovered a drug smuggling tunnel 39 feet below ground and ran 131 feet and equipped with ventilation and electricity systems. 50 shades of gray, announcing at ceo holiday party, every employee getting a $5,000 bonus to celebrate a profitable year. that is today's speed read. i have time to say that every company should do that. [buzzer] $5,000 for everybody. david: i don't know if we could afford it but i wouldn't mind. thank you, lauren. it is incredibly ironic at the same time the national political scene is getting more liberal with the re-election of president obama, politics at the state level is more conservative

than ever. now michigan, the home and birthplace of the united auto workers, is about to become the 24th state to pass right to work laws for private and public workers unions bitterly oppose. michigan governor rick snyder is expected to sign the bills on tuesday. >> i view this as solving an issue for michigan workers. we have hard-working people in michigan. this is about giving workers choice. david: what does all this mean for the workers, for businesses and for the unions? joining us is michigan state senator patrick kulbec. thanks for coming in. i appreciate it. let's say what right to work laws are not. they not about outlawing unions. a lot of union workers have said, these right to work laws would outlaw, they're only about not forcing people to pay the unions if people don't want to, right? >> that's exactly it. collect tiff bargaining still stays in place. all we're talking about is giving workers a choice whether or not they want to financially compensate a

union via union deals. david: why do you think the bills are necessary? >> for me we looked at the state of michigan and only state in the nation that lost population in the last census. i went off and did analysis and charted looking where everybody is going? when you look at the census data by almost three to one margin they're going to right to work states. and so that was a pretty compelling argument. when indiana passed their right to work law we looked whether or not there was direct causality right to work and creation of jobs and indiana was in the first six months of passing right to work legislation have 74 new or expansion existing projects in the state, leading to thousands of jobs and millions of dollars in investment. david: well, in fact that's true for the whole country. unemployment is always lower in those states that have right to work laws. we've done national surveys and it's true by about a full percentage point, is it not? >> right. well the top seven in regards to unemployment rates in the country are all

right to work states. david: so, neighboring illinois, illinois is just across the lake from you. illinois is going pretty much in the opposite direction in terms of raising taxes and giving unions more power. do you think and are you actively trying to pursue businesses that are in illinois to draw them to michigan once this bill, once these bills are passed? >> part of the reason i'm on shows like this make sure we let everybody know that michigan is open for business. so if it is coming from illinois that would be great. frankly wherever we find businesses willing to invest in a state that's really making sure that we've got a provide jobs for our them to citizens, i don't care if they're coming from illinois, from california or from timbuktu. we like to get the jobs in the state of michigan. david: now recently the unions have been on a lot of losing tickets, not necessarily the presidential ticket because they want to reelect the president but these local bills about union issues. they have been losing. they certainly lost in the attempt to prevent governor

walker in wisconsin from being affirmed in his right as governor. so, how much have they been spending in michigan to try to defeat these bills that you're in favor of? >> oh i think the tally was up around 25, $30 million on our proposal 2 ballot initiative in our last general election. david: have they made, with the spending of all that money have they made any headway at all in convincing the public they're right? >> no. as a matter of fact we've got a lot of polling data shows very strong support for giving workers a choice, whether or not they should financially compensate a union or not. just want to emphasize. this is actually good for union members too. they have a right that has been denied to them since 1935, which is whether or not they have a choice in regards to those union payments. this is actually something that is really good for the rank-and-file because they can hold their union management accountable for what they're looking for. david: i think one of the things that turned off a lot of wisconsin voters are the tactics the union -- they

were kind of bullies trying to bully their position through. have they been doing the same in michigan? >> to a lesser extent. i actually had nice conversations with rank-and-file members either in my district or out in the lobby over the last few days up here in michigan. in general they have been fairly reasonable i believe. so there's, we're expecting a few out of towners that come in for next week but, you know we always advertise in michigan that tourism is welcome. david: very quickly. governor rick snyder, initially was against, at least one of these bills. he called it too divisive. what changed his mind? >> i think, i can't speak for the governor in that regard but i know the governor is big proponent anything you can do to bring jobs into this state. when he was presented with compelling evidence around that, especially in the wake of what has been happening in indiana, it would have been difficult for him to continue on in am ba gut.

he is -- ambiguity. he is in support of getting more and better jobs in our state. david: hopefully we'll get him on next week after he signs these bills as he is expect to do. state senator, thanks for coming in. we appreciate it. >> have a good day. david: you too. and a good weekend. lauren? lauren: ibm retirement program is getting a makeover. that is not pretty for employees and other companies could follow the lead. that story is next. we could also see a lot more flooding in the future. uh-oh. find out why. ♪ it's a new day. if you're a man with low testosterone, you should know that axiron is here. the only underarm treatment for low t. that's right, the one you apply to the underarm. axiron inot for use in women or anyone younger than 18. axiron can transfer to others through direct contact.

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david: ibm the latest in a series of companies redoing their retirement plans in order to save money. lauren: the company's move to contribute only once a year could have big implications for workers. robert gray is on the story in the newsroom. >> hey, lauren, that's right. instead of paying every month or twice the month as the case was at ibm it will now be a lump sum at end of the year. look at disadvantages for the employee in this type of plan. there is no ability to dollar-cost-average. dips at end of the year you won't have the buying power

and lose a year's interest. you won't have the money if you leave before december 15th to get the cash out. the one exception, if you retire. they can save on administrative costs and save the money if you do depart before december the 15th. take a look, it is not all that unusual to pay out lump sums annually. it is the second largest payout out there according to aon hewitt and "wall street journal.". 9% do pay annually. keep in mind during the financial crisis we saw a number of companies coming back or eliminating the matches and freezing them in a lot of cases. according to the plan sponsor council of america they are back and forth. in fact back to the same levels they were precrisis. in fact you saw in 2012, you've seen companies adding more to the match game, 4.1% versus 3.7% in 2011. lauren, david, back to you.

david: robert gray, thank you very much. have a good weekend. >> you too. lauren: trading your gun, get a shot, a flu shot and money to go food shopping. yeah, we'll explain that next. david: is that a good deal?

lauren: let's go off the desk. scenes like this from superstorm sandy could become more common according to the national oceanic and atmospheric administration. devastating flooding from a

hurricane is only indication what will come from future storms. scientists predict global sea levels will rise eight inches to 6.6 feet before the end of the century. atlantic coast is on thin ices are water levels rising average rate of 1 1/2 inches per decade. david: we've got to be a little careful with some of that because other people disagree dramatically with those figures. what you're looking at now is somebody getting a flu shot and if you're looking for a free flu shot, well you can trade in your gun. the city of worcster, massachusetts, is having a goods for guns buyback program. tomorrow you can bring in your unwanted, unloaded guns over to police headquarters, and in return you will get a free flu shot. big deal, and a gift certificate for wegman's grocery stores for 25 bucks. value of the certificate is depending on guns you trade in. the gu